If you are one of those less fortunate souls with a bad credit. You have probably come across advertisements in newspapers, TV, radio and on the Internet, claiming efficient credit repair services. Including removal of bankruptcies, creation of new identities and deletion of all records of bad credit.

Establishing good credit habits and therefore a good credit rating will improve your credit worthiness. This will be reflected in potential lenders offering you substantially lower interest rates and better deals on credit offers.

There are 3 credit bureaus and you need to know about them if you are concerned about your credit report.

Who is in control – you or your credit card?

Protect your good credit rating, or learn what to avoid to improve your credit with these 5 important tips to protecting your credit score.

If it's been a while since you've looked at your credit report, you may be surprised to find errors, mistakes, or even a black mark or two. Fortunately, a Credit Repair Company can help you fix those mistakes and erase those black marks. Watch out for scammers, though, and choose a reputable Credit Repair Company with these tips: Don't pay anything up-front Avoid a Credit Repair Company that wants you to hand over a fee or payment before they meet with you. Reputable co...